Right, lets do this!

12467

Comments

  • camz2017
    camz2017 Posts: 347 Forumite
    Don’t worry I did the same, a year ago I had 10k less. The point is this is the time you are going to change it and this is now final. No point looking at life a year ago and comparing it to now, we have a light bulb moment, it wasn’t last year - it is now.

    Put it this way, you are now a year further into your journey of a financially free future. It’s all part of the process :)
    BC 0/15305.83 MBNA: 0/11231.16 TESCO 0/822.87 LOAN 0/4272.67
  • DebtFreeFrog
    DebtFreeFrog Posts: 56 Forumite
    camz2017 wrote: »
    Don’t worry I did the same, a year ago I had 10k less. The point is this is the time you are going to change it and this is now final. No point looking at life a year ago and comparing it to now, we have a light bulb moment, it wasn’t last year - it is now.

    Put it this way, you are now a year further into your journey of a financially free future. It’s all part of the process :)

    Thanks :) Yes you're right. Time to move on and get this debt gone for good :j
    07/11/17 £8199.31 Debt :eek:
  • DebtFreeDuo
    DebtFreeDuo Posts: 1,021 Forumite
    First Anniversary Combo Breaker First Post
    I was the same, have had a plan of action almost every year but then year on year my debt has always increased. Couldn't agree more with camz, you will beat this now and you will not look back.

    Well done one getting your debt under that 8k mark!
    Change the way you see things and the things you see will change
  • DebtFreeFrog
    DebtFreeFrog Posts: 56 Forumite
    DebtFreeDuo wrote: »
    I was the same, have had a plan of action almost every year but then year on year my debt has always increased. Couldn't agree more with camz, you will beat this now and you will not look back.

    Well done one getting your debt under that 8k mark!

    Thanks :) It does feel like I'm making progress, I just need to make sure I keep the momentum going now.
    I do feel like there's been a change in mentality. There was a really good offer online the other day on make-up (Free Gift when you spend £15) and I had it in my basket ready to pay. I got to the checkout and thought I really don't need this, why am I buying make-up (that I don't need) to get free make-up (that I don't need). Then emptied my basket :rotfl:

    I feel like that was a small victory. :j
    07/11/17 £8199.31 Debt :eek:
  • DebtFreeDuo
    DebtFreeDuo Posts: 1,021 Forumite
    First Anniversary Combo Breaker First Post
    Absolutely a small victory! The shops know how to get us to spend our money so we do have to work hard to remind ourselves that we really don't need something. Well done for emptying your basket and saving yourself £15, that's an extra £15 that could go towards overpaying and all of those small amounts add up.
    Change the way you see things and the things you see will change
  • DebtFreeFrog
    DebtFreeFrog Posts: 56 Forumite
    Oh yes definitely! I'll add it onto my Friday payment :j
    07/11/17 £8199.31 Debt :eek:
  • camz2017
    camz2017 Posts: 347 Forumite
    It is a shift in mentality such as this one which makes the big things happen, I've realised that too :)

    Keep going! If you stop now, or lose focus it'll be even more in 1 years time, you will be crazy surprised at how quickly it grows in another year. Mad, in my case I got promotion and an extra £300 a month, yet still managed to gain 10k in a year, as I took the payrise to mean I didn't need to track anything anymore!
    BC 0/15305.83 MBNA: 0/11231.16 TESCO 0/822.87 LOAN 0/4272.67
  • DebtFreeFrog
    DebtFreeFrog Posts: 56 Forumite
    Yeah I've done the same when I've received a payrise, thought to myself right i'll put that extra amount in another account on the day I get paid... Never happened. :rotfl:
    07/11/17 £8199.31 Debt :eek:
  • DebtFreeFrog
    DebtFreeFrog Posts: 56 Forumite
    I've made my payments a day early today because I couldn't wait. :j

    Payments made.
    £10.00 in Emergency Fund Total £60
    £75 to Virgin

    Overall Debt is [STRIKE]£8199.31 [/STRIKE]£7873.32
    Breakdown
    Lloyds [STRIKE]£3080.00[/STRIKE] £3049.00 0% until May 2019
    Virgin [STRIKE]£5119.31 [/STRIKE] £4824.82
    [STRIKE]£416.49 [/STRIKE]£122.00 0% until Mar 2018
    £1557.00 0% until Oct 2018
    £857.82 0% until Nov 2018
    £2288.00 0% until Dec 2018

    I'm so close to paying off my first little bit :j Just £122.00 to go. I really want to pay it off by next weekend but if not, the weekend after is my aim. :)

    Another busy weekend planned but I have £47.00 in my purse so will not be withdrawing money and I'm hoping I wont need the whole £47.00.
    07/11/17 £8199.31 Debt :eek:
  • camz2017
    camz2017 Posts: 347 Forumite
    Hey great job on the debts and also getting them all to 0%. I wish I could get some of mine down to being 0% debts, but sadly cannot get approved on any of the good deal cards. It's almost a vicious circle when you get into debt, and you have so much, you end up paying higher also, so trapped there for longer! Keep up all the good work - and plan out all your spending, e.g know every penny and Job that £47 is for e.g. £10 groceries, £15 new shoes etc. Only buy what you need and cannot live without.
    BC 0/15305.83 MBNA: 0/11231.16 TESCO 0/822.87 LOAN 0/4272.67
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.1K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.2K Work, Benefits & Business
  • 607.9K Mortgages, Homes & Bills
  • 173K Life & Family
  • 247.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards